Harbor Financial Group is now ThirdWave Benefits. Learn more
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Benefits & Medicare Guidance

You Take Care of the Business.
We’ll Take Care of the Benefits.

Let’s build a benefits strategy that reflects the way you lead and the future you’re building.

What We Do

We’re not in the selling insurance business. We’re in the benefits-for-people business.

Too often, benefits don't feel like a good investment in your people and your company. It's more expensive every year, open enrollment is chaotic and rushed, and your employees are confused.

It doesn't have to be that way. With clear structure and long-term direction, we help you align cost sustainability, compliance responsibility, and employee experience into one coordinated plan. When questions arise or challenges surface, you have a partner who stays engaged and advocates for you.

Your benefits strategy shouldn't be something you revisit once a year and hope for the best. We call this advising. You'll call it having someone in your corner.

Choose Your Path

For Employers

Build a better benefits experience for your team.

You want to attract and retain great people. You want confidence in your compliance. You want support you don't have to chase. We help you create a plan that fits your culture, your goals, and your future.

Explore Group Benefits

For Individuals

Medicare coverage guidance.

If you're navigating a transition, you don't have to sort through it alone. You'll receive patient, education-first support from a real person who explains your options clearly and helps you move forward with confidence.

Talk to a Medicare advisor

Our Why

More than 30 years ago, our founder started this company with a phone book and a conviction to help people. That conviction still guides every recommendation we make.

You care deeply about the people who help you build your business. We believe your benefits should reflect that care with clarity, integrity, and thoughtful strategy.

A ThirdWave Benefits advisor reviewing a benefits plan with a client

The ThirdWave Way

Built on clarity.
Carried by partnership.

You carry responsibility for your people. Your benefits strategy should be steady, structured, and built to last. At ThirdWave Benefits, you can expect a clear path forward:

  1. Discover your goals, risks, and opportunities

  2. Design a plan aligned with your people and priorities

  3. Navigate each season with structured, year-round support

You don't have to manage industry shifts alone. You have a partner who brings foresight, consistency, and follow-through.

See how it works

What Matters Most to Your Business?

The right benefits strategy supports more than coverage. It strengthens your business from the inside out.

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Protecting Your People

Your employees want to feel secure and cared for. Thoughtful benefits help protect their health, their families, and their peace of mind.

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Strengthening Your Culture

Benefits influence retention, morale, and trust. When your team feels supported, your culture becomes stronger and more stable.

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Building for the Future

A strong benefits strategy attracts top talent, strengthens retention, and gives your company a measurable competitive edge. Your benefits should support the business you're building.

Connect With Our Team of Experts

You don't have to navigate this alone.

When you reach out, you'll speak with a real person who listens carefully, answers clearly, and helps you move forward with confidence.

Have questions first? Visit our FAQs for straightforward answers.

Kaely Christensen, VP of Benefit Strategy
Kaely Christensen VP of Benefit Strategy
Lynne Mills, Founder & Principal
Lynne Mills Founder & Principal